| Metric | The Way Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +1.3% | +8.2 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.2 pts |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.6M | $14.2M | $0 | $1.4M | $24K | 0.62% | 2.32% | — | 735 |
| Q4 2025 | $15.6M | $14.3M | $0 | $1.3M | $57K | 0.36% | 2.05% | — | 742 |
| Q3 2025 | $14.9M | $13.6M | $0 | $1.3M | $60K | 0.53% | 2.25% | — | 751 |
| Q2 2025 | $14.6M | $13.2M | $0 | $1.3M | $28K | 0.39% | 2.20% | — | 713 |
| Q1 2025 | $14.3M | $13.0M | $0 | $1.3M | $12K | 0.35% | 2.17% | — | 700 |
| Q4 2024 | $14.1M | $12.8M | $0 | $1.3M | $27K | 0.19% | 2.09% | — | 716 |
| Q3 2024 | $14.2M | $12.9M | $0 | $1.3M | $49K | 0.46% | 2.18% | — | 719 |
| Q2 2024 | $14.2M | $12.9M | $0 | $1.3M | $30K | 0.42% | 2.12% | — | 697 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $14.2M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | The Way Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 81.5% | 32th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Way Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Way Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Way Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Way Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.